Dr. Kieran McQuinn:

We have not explicitly measured or forecast homelessness. I do not think other colleagues have estimated or forecast levels of homelessness but some have looked at homelessness in terms of the housing market and policies. We do not forecast it but as long as rents continue to increase and that imbalance exists, there will be continued pressures as far as homelessness is concerned. We do not formally estimate or model it but it is symptomatic of the pressures on the housing market.